Simeon Mwaluma

• Lead portfolio growth within the FMCG sector by identifying opportunities, developing
tailored sales plans, and maintaining a healthy transaction pipeline.
• Structuring credit solutions that maximize clients and bank value, while ensuring
alignment with pricing policies and profitability targets.
• Championing value chain banking with anchor clients, driving deeper relationships
and unlocking new business streams.
• Coordinate cross-functional teams, including Ecosystem Banking, Trade Finance,
Asset-Based Finance, Bancassurance, Treasury, Wealth Management, Customer
Service, Custodial Services and Investment banking, to deliver integrated financial
solutions.
• Maintaining minimal-NPL loan book through proactive monitoring, client engagement,
and early warning risk forums.
• Implementing sector strategies to meet growth targets across revenue, profit before
tax, assets, liabilities, and customer acquisition.
• Building in-depth understanding of client industries, market trends, and
macroeconomic factors to inform strategic decision-making.
• Ensuring compliance with regulatory requirements and bank policies through timely
submission of quality credit proposals and robust governance practices.
• People Management, participating in disciplinary committees and hearings, ensuring
adherence to organizational policies, fair process in staff matters and staff welfare.
• Supporting ecosystem and value chain banking.
• Supporting green lending initiatives.

• Drove branch business growth and development by acquiring and managing customer
relationships.
• Oversaw relationship management activities to ensure customer satisfaction and
retention.
• Ensured adherence to internal controls, audit requirements, risk management, and
compliance standards.
• Supervised branch staff, providing leadership, guidance, and performance oversight.

• Implemented corporate banking strategy for the Coast Region, achieving profitability
targets through revenue growth and cost control.
• Delivered innovative financial solutions tailored to diverse client needs, including
infrastructure, logistics, and trade sectors.
• Established and maintained strategic relationships with regional stakeholders,
expanding the banks footprint and market share.
• Maintained portfolio quality within set NPL and PAR parameters through diligent
credit monitoring and risk management.
• Led client acquisition and cross-selling initiatives for assets, liabilities, foreign
exchange, trade, cash management, and bancassurance products.
• Directed training programs for branch teams on corporate credit products and
policies, enhancing their business acquisition capacity.
• Supervised the preparation and utilization of contingent liabilities aligned with non
funded income targets.
• Delivered consistent asset and liability growth through collaborative initiatives with
the branch network.
• Ensured timely preparation of reports, account monitoring, and adherence to
approved facility limits and interest rate structures.

• Managed and grew commercial banking relationships, delivering tailored financial
solutions across assets, liabilities, foreign exchange, trade, cash management, and
bancassurance.
• Drove both organic and inorganic business growth by expanding client portfolios and
deepening wallet share.
• Conducted market intelligence to identify opportunities and maintain competitive
positioning.
• Ensured strict adherence to risk, compliance, and regulatory requirements while
managing credit quality and minimizing portfolio risk.
• Oversaw securities management to safeguard bank interests and optimize facility
utilization.
• Delivered exceptional customer service to retain clients and strengthen long-term
relationships.
• Led and mentored team members to achieve set targets and maintain high
performance standards.

Corporate Banking Relationship Management

Corporate Credit Analysis

Corporate Banking Credit Analysis

Business Banking Relationship Management

Personal Banking

Personal Banking

General Banking